How to Spend USDC with Uphold
Visa • Custodial • Multi-chain
Step-by-Step: Spending USDC with Uphold
Sign Up & Verify
Visit Uphold and create an account. Complete KYC verification to unlock full card features.
Order Your Card
Request your Visa debit card. The virtual card is free — add it to Apple Pay or Google Pay instantly.
Load USDC
Deposit USDC to your Uphold account via Multi-chain. Funds are available for spending immediately.
Spend Anywhere
Use your card at 80M+ Visa merchants worldwide. USDC auto-converts to local fiat. Earn 2-4% back in XRP on every purchase.
Key Features
Pros & Cons
✅ Pros
- +2-4% cashback in XRP
- +No annual fee
- +4% first 90 days
- +2% after
⚠️ Cons
- −Varies FX fee on foreign transactions
- −Limited to Americas
FAQ
Does Uphold support USDC?
Yes, Uphold supports USDC stablecoin spending. You can load USDC and spend it at any Visa merchant worldwide, with automatic conversion to local fiat currency.
What cashback does Uphold offer?
Uphold offers 2-4% cashback paid in XRP. Rates may vary based on your tier or staking level.
Is Uphold self-custody?
Uphold is custodial. Your funds are held by the platform, which manages security on your behalf.
What are the fees for Uphold?
Uphold charges Varies in FX fees with an annual fee of $0. The card operates on the Visa network.
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